Public offer

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  2. Public offer

Public offer

to conclude an agreement on the use of the payment service «Royal Pay»

  1. Terms
    1. Authorization - the procedure for requesting and receiving Royal Pay a response to such a request in the form of a permit or a ban on conducting a Card transaction from the Card issuing Bank or from the Visa International / MasterCard Worldwide international payment system.
    2. Offer acceptance - the Payer performs the actions specified in this Offer aimed at obtaining the Service and confirming consent to conclude the Agreement by clicking on the "Visa / MasterCard" link in the "Payment Methods" button and the "Continue" button on the Royal Pay payment page or the "Pay" button on Royal Pay partner organization’s website.
    3. Authentication data - data that uniquely identifies the Client. By default, the Authentication data is the login and password of the Client. Other types of Authentication data, including a client certificate, a secret answer to a question, can be used depending on the client connecting the corresponding additional Royal Pay services.
    4. Royal Pay - financial payment company «Royal Pay Europe» Ltd.
    5. Issuing Bank - a third-party bank that issued a Card.
    6. Card Holder - an individual in whose name the Card is issued.
    7. Agreement - the Agreement on the conditions and procedure for the provision of Royal Pay Services for servicing individuals' bank cards issued by third-party banks and other payment methods using the Royal Pay Internet resource concluded between Royal Pay and the Client.
    8. Royal Pay Internet resource - Royal Pay universal payment Internet resource, which is a set of integrated Royal Pay software and hardware and hardware used to provide the Service.
    9. Card – debet or credit bank card of the IPS.
    10. Client - Payer - an individual who is a legal Cardholder, a user of other payment methods, who has concluded an agreement with Royal Pay on the terms of this Offer.
    11. Personal account - Wallet management tool. It is a computer program, the interface of which is posted and / or available on the Internet on the Royal Pay Website and is displayed through a program for viewing Internet sites (browser), or a special application. The section on the Royal Pay Website on the Internet, protected by special means of protection and containing Customer data and other information determined by Royal Pay.
    12. IPS - is the international payment system Visa International and / or MasterCard Worldwide.
    13. Offer - this Royal Pay offer to the Cardholder, the User of other payment methods, to join the Agreement. The offer is posted on the Royal Pay Website / on the Royal Pay payment page.
    14. Operation - any transaction made by the Customer using the Card and / or its details or other payment methods, a money transfer operation related to the payment of goods (work, services), payment of Royal Pay commissions in accordance with this Offer.
    15. Royal Pay website - royalpay.eu and other payment service sites operated by Royal Pay.
    16. A third-party bank is any credit institution that issues Visa and / or MasterCard bank cards.
    17. Parties - Royal Pay and the Client at the joint mention.
    18. Payment way - a bank card, electronic means of payment, cash, payer money in his bank account or recorded as an advance on the subscriber number of the mobile operator.
    19. Card Account - a bank account opened with the Issuing Bank for transactions using the Card and / or its details.
    20. Service - a service for servicing Cards, or using Clients of other Means of payment using the Royal Pay Internet resource, which enables the following operations: - receiving and processing Clients' orders to transfer funds from the Card Account or other Means of payment to pay for goods (work, services); - preparation of documents in electronic form confirming the implementation of the relevant operations.
  2. General provisions
    1. The offer contains an offer to all Clients to join the Agreement.
    2. The subject of this Agreement is the provision of Royal Pay Services.
    3. Royal Pay provides the Customer with the Service in accordance with the terms of this Agreement, the requirements of the applicable laws of the European Union and the rules of international payment systems Visa International / MasterCard Worldwide, internal documents of Royal Pay, foreign laws applicable to Royal Pay subject to Royal Pay's technical capabilities for each specific transaction on the Card, or other means of payment.
    4. Under this Agreement, the Royal Pay Service is not provided: - in cases established by the laws of the European Union and the requirements of the IPS.
    5. For the service provided by Royal Pay, the Customer pays Royal Pay commission in the amount established by the Rates and this Agreement. The Commission established by the Tariffs is calculated from the amount of money sent by the Client to transfer (hereinafter referred to as the Payment Amount) as payment for goods (work, services), is included in the total amount of the authorization request made on the Client’s Card or made using another means of payment and subject to deduction without additional orders (acceptance) of the Customer from the Customer's Card Account or other means of payment in excess of the Payment Amount on the date of transaction. Not subject to VAT.
    6. The operations provided for by this Agreement are carried out by Royal Pay in Russian rubles, regardless of the currency in which the Client Card Account or other Means of Payment are opened. Money conversion using a Third-Party Bank Card is carried out in Russian rubles by international payment systems.
    7. The Customer hereby authorizes Royal Pay, in accordance with the requirements of the Law "On Personal Data", to process any information relating to it, received from him and from third parties, both using automation tools and without using such funds, that is the following actions: collection, systematization, accumulation, storage, clarification (updating, changing), use, blocking, depersonalization, destruction, as well as the right to distribute (transfer and cross-border transfer) to third parties to the people of his personal data, including, but not limited to: last name, first name, patronymic, data and details of the document, identity card, citizenship, date and place of birth, registration address, actual address, family name, social, property status (including data on property), education, profession, income, expenses; communicated by him in the case of acceptance of the offer, including for the purposes of:
      1. Communication, including by telephone, with the Client to provide information on the execution of the Agreement, send SMS messages and send e-mails to the Client about the payment made for goods (services), as well as to transmit informational and advertising messages about NKO services. At the same time, the Client bears all risks associated with the fact that the sent SMS-messages and e-mails to the Client will become available to third parties;/li>
      2. Investigation of disputed operations and situations under the Treaty.
    8. The client instructs Royal Pay to transfer information about the details of transfers to third parties that provide information and technology services for the process of transfers made by Royal Pay to recipients of funds, relations with which are regulated by the relevant agreement.
    9. Royal Pay processes and stores customer information.
    10. The parties agreed that Royal Pay has the right to amend the terms of the Agreement and the Rates. At the same time, the changes made by Royal Pay to the Agreement become binding on the Parties from the day Royal Pay publishes a new version of the Agreement on the Royal Pay Website, on the payment page and / or on the Royal Pay website. Changes made to the Tariffs become binding on the Parties from the day the new version of the Tariffs comes into effect, and Royal Pay posts the new version of the Tariffs on the Royal Pay Website, on the payment page and / or on the Royal Pay website.
    11. If there is no sufficient amount on the Customer’s Payment Tool to complete the Transaction and pay the Royal Pay commission in accordance with clause 2.5 of this Agreement at the time of Authorization, Royal Pay does not accept the Customer’s order to transfer funds from the Customer’s Card account.
  3. Service procedure
    1. The preparation of an order to transfer funds from the Means of Payment in payment for goods (work, services) is carried out by the Client through the Royal Pay Internet resource, including through the sites of Royal Pay partner organizations.
    2. The Client can go to the Royal Pay section of the Internet resource - “Payment window”, which is specially designed for performing Operations. This section also contains the text of this Offer, the amount of the Royal Pay commission charged by Royal Pay for the provision of the Services with which the Client must familiarize himself before starting the execution of the Service and conducting the Operation. If the Client does not agree with the conditions set forth in this Agreement, the Royal Pay Service is not provided. The payment window can be placed in the form of a web form on the website of Royal Pay partner organizations.
    3. In the opened Payment window for entering payment details, the Customer fills in the Operation parameters for generating an order to transfer funds from the Payment Method and fills in the necessary fields (Payment amount, payment recipient's account number, phone number and other data necessary for payment, depending on Royal Pay requirements and (or) payee).
    4. After successfully entering the parameters of the Operation, the Client will be redirected to the Royal Pay special payment page to enter the details of the Payment Method and enter the following data:
      1. For Card:
        • Card number;
        • Cardholder name and surname;
        • The expiration date of the card;
        • CVC2 / CVV2 Card code.
      2. For another means of payment:
        • Wallet number
      3. If the Customer does not specify one of the above parameters, the Royal Pay Service is not provided.
    5. The payer checks all entered parameters and, if they are correct, clicks the Continue button on the Royal Pay payment page or on the website of the Royal Pay partner organization, thereby accepting the Offer, agreeing to the terms of this Agreement, and expressing his desire to use the Service.
    6. In order to reduce the fraudulent transactions on the Card, Royal Pay has the right to carry out additional checks on the possibility of carrying out transactions on the Card, for example: Royal Pay initiates a temporary blocking of a random amount (from 0.01 to 100 rubles) on the Client’s Card Account and sends information about the blocking to the Bank- Card issuer in accordance with the rules of the IPS. To obtain information on the amount of blocking, the Client must contact the Card-issuing Bank. Then, in the proposed window, the Client correctly enters the value of the amount blocked on the Card Account. If the data is correct, the check is successful and the Client is informed that he has the opportunity to receive the Service.
    7. After confirming the correctness of the entered details, Royal Pay in accordance with the terms of the Agreement accepts and processes the Client’s orders to transfer funds from the Means of Payment in payment for goods (work, services).
    8. After receiving the Client’s order in accordance with clause 3.7 of this Agreement, Royal Pay carries out the Authorization procedure. In case of successful Authorization, the amount of the Transaction is “held” (reserved) by the Issuing Bank in the Card Account and reduces the available balance (limit) of the Card by the indicated amount.
    9. Upon receipt by the Card-issuing Bank of the Card of confirmation from the IPS on the execution of the Transaction using the Card, the Card-issuing Bank shall, without any additional instructions from the Customer, write off funds from the Card Account in accordance with the terms of the agreement between the Customer and the Card Issuer of the Card, as well as the rules of the IPS.
    10. Refunds are carried out in accordance with the procedure provided for by the agreement between the Client and the Issuing Bank, in accordance with applicable law. Royal Pay commission for the provision of the Service in this case is not refundable.
    11. The Client is informed that in the event that he completes a Transaction in order to replenish an account with an organization engaged in the provision of services for foreign exchange transactions in the FOREX market (MCC 6211 - Securities-Brokers / Dealers), as well as to replenish an account with an organization engaged in the provision of gaming services with bets (MCC 7995), replenishment of electronic means of payment (electronic wallets) and other means of payment (MCC 6012, 6051, 6052) - he instructs Royal Pay to transfer funds in favor of the said organization. This order will be irrevocable and cannot be challenged in accordance with the rules of the international systems Visa International and MasterCard Worldwide.
    12. The Client is also notified that all of his instructions for transactions will also be irrevocable in those cases when, as a result of their execution, there will be a replenishment of the internal, subscriber or other account in the accounting system of the Payee. These orders cannot be challenged in accordance with the rules of the Visa International and MasterCard Worldwide international systems. The client is also notified and gives his consent to the discretion of Royal Pay makes a payment through an electronic means of payment with the subsequent debiting of this payment in favor of the final recipient, where the user initiated the Royal Pay payment page.
  4. Royal Pay Internet resource opportunities
    1. On the Royal Pay Internet resource / payment page, Clients are given the opportunity to familiarize themselves with the text of the Agreement.
    2. The Royal Pay Internet resource provides the Client with the opportunity, in the process of receiving the Service, to draw up orders for the transfer of funds from the Card Account or other means of payment in payment for goods (work, services) and to familiarize themselves with the size of the Royal Pay commission.
  5. Rights and Obligations of the Parties
    1. Royal Pay is entitled:
      1. to refuse providing services under the Agreement, executing client’s order unilaterally and for any reason or no reason, including for cause as provided by Anti-Money Laundering Act.
      2. to require of the Clients strict compliance of the Agreement terms and conditions and payment for Royal Pay service.
      3. unilaterally to impose and change (increase, decrease) the limits of transactions processed by Royal Pay services specified in the Article 2.4. of this Agreement within the frames of European regulation.
      4. to define capability of Royal Pay service.
      5. to block access to the Royal Pay Internet resource, as well as not execute the client's orders received by Royal Pay via the Royal Pay website, until the circumstances are clarified, in the case of:
        • improper performance of the Client's obligations under the Agreement;
        • if Royal Pay detects or becomes suspicious of the illegality of transactions performed using the Card;
        • identification of the client's Royal Pay operations that contain signs of suspicious operations related to the legalization of proceeds from crime, or operations that carry reputational risks for Royal Pay.
      6. not to execute a Client's order received by Royal Pay via the Royal Pay website if errors are detected at the stage of execution of the Client's order, if the necessary details (documents) are missing or incomplete, or if the operation does not comply with European legislation, internal documents of Royal Pay, or the terms of the Agreement.
      7. if necessary, to create a personal account for the client in the Royal Pay system, provided that the client provides a username (email address or phone number). Authentication data is sent to the client in an email message or SMS message.
    2. Royal Pay undertakes:
      1. to provide the Service in the amount and within the terms set by the Agreement.
      2. to keep Bank secrecy on transactions using the Card and other means of payment and information about the Client. References to transactions using the Card and other means of payment and information about the Client can be provided in cases stipulated by European legislation and the Agreement.
      3. to inform the cardholder of the amount of the Royal Pay Commission charged for making the payment.
    3. The client has the right to:
      1. transfer orders to the issuing Bank using the Royal Pay services for debiting funds from the Card Account in payment for goods, works, and services stipulated in the Agreement.
      2. make claims for Transactions made using the Card and other means of payment no later than 30 (thirty) calendar days from the date of these Operations and send them to the issuing Bank or Royal Pay.
      3. refuse to perform any operations on the Royal Pay Internet resource until the correct details are confirmed.
      4. withdraw consent to the processing of any information provided by Royal Pay as part of the processing of personal data by Royal Pay.
    4. The client undertakes to:
      1. read the text of the Agreement and accept it in full, without exception, before the start of registration of the Service.
      2. not to transmit Card data and other account information to third parties.
      3. within 45 (forty-five) days from the date of The transaction under the Agreement, save all documents related to transactions using the Card, and present them to Royal Pay upon its request.
      4. on a regular basis to review official information related to Customer service under this Agreement.
      5. not to make payments related to business activities.
      6. not to use Bank cards issued to an individual's account opened with a Bank outside the Russian Federation to perform currency transactions related to the transfer of property and provision of services on the territory of the Russian Federation.
      7. not to make payments with a non-resident:
        1. for credit agreements or loan agreements.
      8. The requirements of clauses 5.4.6 and 5.4.7 of this Agreement shall apply to Clients who are residents of the Russian Federation.
      9. pay for Royal Pay Services in accordance with the Royal Pay rates and this Agreement.
  6. Responsibility of Parties
    1. The parties are responsible for non-performance and/or improper performance of obligations under the Agreement in accordance with European law and the Agreement.
    2. Royal Pay is not responsible for any operations using the Card (or several Cards) using the Royal Pay service, performed by other (third) parties with or without the knowledge of the Client.
    3. Royal Pay is not responsible if the information transmitted when using the Royal Pay service, including the Card details, becomes known to other persons as a result of listening to or intercepting the cellular or telephone communication channel during their use, or intercepted by malicious computer programs (Trojan, fishing, etc.) when entering data by the client, as well as in the event of the Client's unfair compliance with the terms of storage and use of the Card, Card details.
    4. Royal Pay is not responsible for disruptions to the Internet, networks or other technical malfunctions (disconnection/damage to power and communication networks, software faults and maintenance (technical) work of the processing center and database Royal Pay, technical failures of Card Schemes) that occurred for reasons beyond Royal Pay reasons and resulting in untimely receipt or non-receipt by the Client of Royal Pay notifications and account statements for transactions performed using the Card (or multiple Cards) using the Royal Pay services, as well as non-fulfillment or late fulfillment of other Terms of the agreement by Royal Pay.
    5. Royal Pay is not responsible for the consequences of execution of orders issued by unauthorized persons, in cases when using the procedures provided for by European legislation and the Agreement, Royal Pay could not establish the fact that an order was issued by unauthorized persons.
    6. Royal Pay is not responsible if when performing operations using a Card (or several Cards) by means of Royal Pay services, the Client specified incorrect details (the name of the payment recipient, the payment amount, as well as other parameters necessary for the operation).
  7. Term and termination of the Agreement
    1. The agreement is considered to be concluded between the Parties from the date the Client joins the Agreement by accepting the offer.
    2. The Service agreement is valid until the moment when Royal Pay and the Client fulfill their obligations under the Agreement, including but not limited to the provision of Royal Pay Services in full and the payment by the Client of the cost of the Service rendered.
  8. Final provisions
    1. The agreement will be governed by and interpreted in accordance with European law. All issues, disputes or claims arising out of or in connection with the Agreement shall be settled by the Parties through negotiations.
    2. If there is no agreement, the dispute between the Parties shall be considered in accordance with the procedure provided for by European law.
    3. The client's assignment of their rights and obligations under the Agreement cannot be performed without the prior written consent of Royal Pay.
    4. The parties recognize that the telecommunications, processing and storage systems they use under the Agreement are sufficient to ensure reliable and efficient operation when receiving, transmitting, processing and storing information, and the information security system that provides access differentiation and encryption is sufficient to protect against unauthorized access, confirm the authorship and authenticity of information, and resolve conflict situations.
    5. Confirmation of the Client's transactions using the Royal Pay Internet resource are electronic documents (electronic logs, electronic protocols, etc.) stored in Royal Pay. Electronic documents (electronic journals, electronic protocols, etc.) are provided by Royal Pay as supporting documents when considering disputes, including in court.
    6. The parties acknowledge that the information security methods used by Royal Pay are sufficient to protect against unauthorized access to the systems, confirm the authorship and authenticity of electronic documents.
    7. The parties recognize Moscow time (UTC + 03:00) as a single time scale and undertake to maintain the system time of their hardware used to work on the Royal Pay Internet resource with an accuracy of 5 (five) minutes. In this case, the determining time is the current time according to the system clock of the Royal Pay hardware.
    8. Royal Pay communicates with the Client via email. In this case, the date of receipt by the Client of an e-mail message from Royal Pay is the date of sending the corresponding message specified in the electronic message transmission Protocol.
  9. Requisites
    1. Location address: Smilsu Street 18, Riga, LV-1050
    2. Actual / postal address: Smilsu Street 18, Riga, LV-1050
    3. E-mail: support@royalpay.eu